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Q: Hi, I searched all over the internet for an active link of the Chase American Airlines credit card and couldn't find one. How did you guys manage to get this card?
A: Ha ha... There's (currently) no co-branded Chase AA credit card, this thread is discussing 'Chase Adverse Action'. As a general rule, AA refers to 'American Airlines', while A/A refers to 'Adverse Action'.

Q: What does Chase A/A look like? Can I do something to prevent that from happening? And once I'm hit, is there anything I can do to get back in the game?
A: To better address all the questions and concerns, we'll divide it in three sections:

1) What Are The Triggers?
2) What Happens?
3) How To Get Back

What Are The Triggers?

Basically, there are two possibilities that might trigger a Chase A/A:
Credit Related Risk
-Opening too many new cards in a short period of time, (even from other banks, and even being added as an additional user is considered as opening a new account, even a spike in your total CL even from being  additional user has been a trigger for many people - Dec 2013);
-A sudden excessive use of your cards;
-Maxing out your available credit limit.
-Buying large amounts of Chase GC (most people didn't have problems but lately some people are getting shut down for this).
Of course, there is no general rule with these things, it mostly varies by your particular credit file and worthiness.

Perk Abuse
-Transferring Ultimate Rewards points to someone else's account other than your spouse or domestic partner;
 both, the sender and the recipient, are at risk of A/A.
-Abuse of the 5% cashback bonus on the AARP card.

What Happens?

Q: What does a Chase A/A look like? How do I know whether I was shut down or not?
A: If you can't access your online account on chase.com, this is not A/A.
    When you encounter such a thing it could be because 1) the website is undergoing maintenance - wait till the site is back up; 2) a sever error - try using
    different browser
; 3) you didn't log in to your account for a while - call the number on the back of your card; 4) a security concern (resulted by a large QuickPay
    transfer or similar - call the number on the back of your card.
    When you get hit by A/A, you'll see a message above your account "Your account is closed and no longer available for use. If you have a balance remaining on the account, please continue to
    make monthly payments by the due date."; your card will no longer work; and within 7 days you'll receive a letter in the mail notifying you of the closure and the reason to it.
Q: Do they close down all my cards or just one?
A: If your shutdown was a result of 'credit related risk', they usually close all your credit card accounts, while with 'perk abusers' they used to shut down all of your cards (April '12), but lately, it is limited to the accounts involved in the abuse.
Q: Do they shut down other accounts such as checking, savings or investment accounts?
A: Lately people are reporting getting their checking account closed when getting A/A'd.
Q: Once my card is closed, can I still access my points?
A: Again there's a difference whats the reason your account was closed. Ironically, if its because of 'credit risk', your points will be forfeited, (and that used to be the case with 'perk abusers' during the April '12 A/A wave), but if its because of 'perk abuse', you'll get a certain amount of time (from 2 to 90 days - as specified on your letter) to transfer or redeem your points.

How To Get Back

Q: Once one was shut down, is there any point of calling  customer service or any other department and try to convince them to reopen the closed accounts?
A: If your account was closed due to 'perk abuse' there is -almost- no way to convince them to reopen it (unless there was an error, and you really didn't commit any violations of the
     terms and conditions).
     But if your account was closed for credit related reasons, you might have luck by calling the executive dept. 1888-622-7547 and trying to explain them why it might've looked like your at risk of default, but in fact, there is nothing to worry about. But of course YMMV with this.
Q: Can I apply for a new credit card after my accounts were closed?
A: Yes. There are a multiple reports of people being approved for a new Chase card after waiting a few months and applying again. But some were not that lucky, and some had their new accounts closed a few days after approval.
« Last edited by Iz on March 22, 2017, 11:26:51 PM »

Poll

Have You Been A/A'ed?

Yes, I've Been Shut Down And Received 1 Cent Per Point :(
10 (1.6%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10%)
No (Bli Ayin Horah)
455 (73.4%)
I Was Shut Down But Was Able To Get Reopened After Appeal
24 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
69 (11.1%)

Total Members Voted: 618

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1687370 times)

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #980 on: April 29, 2012, 12:57:04 AM »
15K in checking savings? Personal or Business account?
all together between checking and savings.

Did you have a lot of credit with chase - a "risk" for them?
My CL was aprox. 37k.

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #981 on: April 29, 2012, 01:09:06 AM »
If you call $15k a Great account that's what I had and still got shut down.
Don't feel bad. Many members had low 6 figure personal checking accounts and it did not matter.
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Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #982 on: April 29, 2012, 01:12:27 AM »
Don't feel bad. Many members had low 6 figure personal checking accounts and it did not matter.
Doesn't make me feel better after loosing 150k+ UR :(
« Last Edit: April 29, 2012, 01:19:14 AM by oldguy »

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #983 on: April 29, 2012, 01:16:00 AM »
Doesn't make me feel etter after loosing 150k+ UR :(
You got off easy but I don't think that will make you feel any better either.
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Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #984 on: April 29, 2012, 01:20:59 AM »
You got off easy but I don't think that will make you feel any better either.
I wouldn't say it's the worst possible but i wouldn't either call it got off easy.

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #985 on: April 29, 2012, 01:22:03 AM »
did you try to get a check for the points?

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #986 on: April 29, 2012, 01:22:54 AM »
did you try to get a check for the points?
Yes more then once I even tried the executive office.

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #987 on: April 29, 2012, 01:24:09 AM »
not the slightest chance?

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #988 on: April 29, 2012, 01:25:58 AM »
not the slightest chance?
That's what they told me :( any ideas?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #989 on: April 29, 2012, 01:27:22 AM »
I wouldn't say it's the worst possible but i wouldn't either call it got off easy.
I missed why your accounts were closed. Was it for "credit reasons" or the dreaded "not used as intended"?
"Elvis Has Left The Building"

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #990 on: April 29, 2012, 01:28:08 AM »
me it was not intended purpose and i lost 81k ur

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #991 on: April 29, 2012, 01:30:24 AM »
I missed why your accounts were closed. Was it for "credit reasons" or the dreaded "not used as intended"?
Credit reasons. too many account opened recently etc.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #992 on: April 29, 2012, 01:35:17 AM »
Poll added, please participate!
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #993 on: April 29, 2012, 01:40:30 AM »
"Elvis Has Left The Building"

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #994 on: April 29, 2012, 01:41:40 AM »
Poll added, please participate!
Miles/cash back same as points?
"Elvis Has Left The Building"

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #995 on: April 29, 2012, 01:45:13 AM »

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #996 on: April 29, 2012, 01:45:26 AM »
Poll added, please participate!
missed an option "shut down and got reopened"
EDIT: nvm It let me edit the poll for some reason so I added it

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #997 on: April 29, 2012, 01:45:46 AM »
Have you tried this route?
https://help.consumerfinance.gov/app/creditcard/ask
No. Thank you I might as well try every way possible.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #998 on: April 29, 2012, 01:47:08 AM »
Miles/cash back same as points?
Did anybody get their UR transfered into miles after being A/A'd?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #999 on: April 29, 2012, 01:47:55 AM »
has this helped anyone
I know of two members it helped but both were accounts shut down for "credit reasons".
"Elvis Has Left The Building"